625 Charles St, Schenectady, NY 12302 Property Records

Schenectady County and Glenville Town property record for 625 Charles St, Schenectady, NY 12302

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,405 sqft · built 1930
Lot Size	0.137 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Nov 2024)
Tax Bill	$5,598 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422289 38.11-2-3`

Property Details

APN / Parcel Number

Primary APN	`422289 38.11-2-3`
Alternative APNs	`228903801100020030000000` `B15220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,405 sqft Living Area
1st Floor Area	849 sqft
Upper Floors Area	556 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	150 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	281 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	B15220
Street Address	625 CHARLES ST
City	SCHENECTADY
State	NY
Zip	12302-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	RIVERDALE MASBA L620 HL2G
Legal Block	2
Legal Lot Number	3.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	GLENVILLE
Census Block Group	2
Census Block	2011
Census Tract	32403

Owner

625 Charles St is owned by two individuals who bought it in November 2024.

Source: Schenectady County and Glenville Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	43 WASHINGTON AVE, 2N, SCHENECTADY, NY 12305-1792
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2024 · Amount on File
Deed Sale	Nov 15, 2024 · Amount on File
Prior Sale	Nov 21, 2022 · Amount on File
Deed Document Number	202469298
Deed Book / Page	2142 / 81
Prior Transfer Date	Jan 27, 2010
Prior Transfer Doc	0000015956
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 21, 2022
Property Address	625 CHARLES ST, SCHENECTADY, NY 12302-1431
Document Number	0000061337
Book / Page	2097 / 269
Instrument Date	Sep 22, 2022
Instrument	202261337
Transaction Type	Transfer
Record Updated	Dec 2, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	625 CHARLES ST, 625, GLENVILLE, NY 12302-1431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 STONEHENGE LN, ALBANY, NY 12203-2224

Mortgage

Document Number	0000061338
Date	Nov 21, 2022
Instrument	202261338

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 625 Charles St was $5,598, up 0.2% from the year before.

Source: Schenectady County and Glenville Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Glenville Town
Unified School District	Scotia-Glenville Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,598.00 (+0.21%)
2025	$5,586.00	$139,500 Land $9,900 Building $129,600	$253,636 Land $18,000 Building $235,636
2023		$139,500 Land $9,900 Building $129,600	$205,147 Land $14,559 Building $190,588

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 625 Charles St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	6 (1996–2011)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims Severe Storms And Flooding, Jun 2006 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 625 Charles St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GLENVILLE WD #11 serves 15,000 people · EPA ID NY4600091
Water Source	Groundwater
Last State Inspection	Jul 2022
Lead	4 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 687 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20